Ge Liping is a twenty-five year-old girl from Tongling, a small industrial city in Anhui province. She arrived in Beijing four months ago and has been working as a sales clerk for a t-shirt shop. We recently asked her a series of questions to see if she’d be interested in using mobile top-up services:According to the People's Bank of China, all domestic credit cards and debit cards must be part of China UnionPay’s network. Since the company was founded in 2002, China UnionPay has taken advantage of its monopoly status to quickly grow its bank card network to the point where up to an estimated 30% of retail spending was made using bank cards in China’s tier one cities (Beijing, Shanghai, Guangzhou).